Diane L Drain's Answers (1711)

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If I stop paying my credit cards, how long do I wait before filing chapter 13,

Diane's answer | Answered on March 05, 2012

You don't say why you need to file a chapter 13 rather than a chapter 7. But assuming you are correct, please understand that a chapter 13 is...

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Will the fixed payment plan from a judge drastically affect income?

Diane's answer | Answered on March 02, 2012

Attached is a link to a list of Arizona exemptions. Read it closely. A lender can seize anything you own that is not on the list. Be very...

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Can someone file Chapter 13 after having a Chapter 7 discharged 2 years ago? I received a court summons seeking a judgement for

Diane's answer | Answered on September 22, 2011

YOu must pay the HOA fees is you want to keep the house. If you do not want to keep the house then it might be best to wait until the lender...

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I received a modification, however I cannot repay my credit card debt. Should I include the home in chapter 7 bankruptcy as well

Diane's answer | Answered on September 22, 2011

Filing bankruptcy is like being pregnant - you cannot be partially pregnant. Nor, can you be partially in a bankruptcy. You must list everything...

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Can i be held responsable for credit card dept on a busness LLC that my wife ownes 100%

Diane's answer | Answered on September 10, 2011

I disagree with a couple of these posts. Arizona is a community property state. With few exceptions any debts incurred by either spouse while...

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I am currently in chapter 7 and my landlord has filed a motion for relief for back rent how do i object to this?

Diane's answer | Answered on September 10, 2011

You have 14 days to file a response. Send a copy to the court and the landlord's attorney. But, I doubt that you will be able to buy more than...

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I have a VA loan. Will a chapter 7 discharge preclude the creditor from collection? If yes, then will the discharge also prevent

Diane's answer | Answered on September 10, 2011

A bankruptcy will discharge your obligation to pay the VA loan. But, if the VA loan is secured against your home then the VA may elect to...

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I am Creditor with another person. Debtor Chpt 13. I am filing proof of claim. Do we file separately?

Diane's answer | Answered on September 10, 2011

Chapter 13 has a "co-debtor stay" meaning that a creditor cannot sue the debtor's wife. Most chapter 13s will fail within the first 6-12 months. ...

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We did an 80/20 through Chase. We foreclosed on 80 but not 20 because Chase said they would garnish wages.

Diane's answer | Answered on September 10, 2011

Arizona has protection for those who own real estate, 2 1/2 acres or less, used as a one or two family residence and the funds borrowed were used...

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How do i save my house from foreclosing.

Diane's answer | Answered on September 10, 2011

Try talking to a HUD counselor, or seek out assistance from Making Homes Affordable.

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